Idaho - 2016

Final Grade

Financial Knowledge

A-

90.33%

Credit

C+

79.32%

Savings and Spending

B+

88.48%

Retirement Readiness and Other Investing

D-

62.87%

Protect and Insure

B

85.42%

Financial Knowledge

Mean number of correct answers

B+

87.01%

Offered financial education and participated

B-

80.49%

Levels of High School Financial Education

B

85%

Credit

General Credit

B

84.4%

Housing Credit

B-

82.46%

Auto Credit

B

84.41%

Credit Card

D+

69.93%

Student Loan

F

55.53%

Other Credit

B-

81.84%

General Credit

Vantage Scores

B-

80%

On Time Payers

B

85.64%

Prime Credit

B

86.57%

Inclusion in Credit Economy

B

85.5%

Revolving Credit

B+

87.28%

Utilization

B

84.55%

Bankruptcy

B-

81.32%

Share Past Due

A-

91.51%

Debt Burden

F

55%

Highest Tier Credit

B

85.94%

Housing Credit

Loan to Value Ratios

B

85.41%

Equity Rich

D+

67.49%

Homeownership Rates

A-

90.16%

Mortgage Delinquency Rates

A

93.63%

Foreclosure Rates

A+

97.26%

Have a Mortgage

F

59.89%

High Cost to Homeowners

C+

79.63%

High Cost to Renters

B-

81.85%

Seriously Underwater Mortgages

A

94.13%

Mortgage balance as a proportion of household income

B

86.19%

Auto Credit

Auto Loan as Portion of Household Income

C

74.98%

Auto Loan Delinquencies

A

95.15%

Percent of Auto Loans

C+

79.08%

Impact of Auto Insurance Premiumes on Credit Scores

B+

87.83%

Credit Card

Always Paid Credit Card Bills In Full

F

57.76%

Carried Balance on Credit Card with Interest Charged

C-

71.83%

Made only Minimum Monthly Payments on Credit Card

C-

71.68%

Credit Card Delinquencies

A-

90.06%

Average Credit Card Balance as a Percent of Median Household Income

C-

71.92%

Student Loan

Graduates with Student Debt

D-

61%

Average Debt Balance

C+

78.33%

Calculated monthly Payments Prior to Borrowing

D+

68.6%

Never Made a Late Payment on your Student Loan

C-

72.57%

Other Credit

Unpaid Medical Bills

C

75.73%

Used Alternative Borrowing

C+

77.45%

Took a Loan from a Retirement Account

A+

100%

Delinquency of Unsecured Personal Loans

C+

78.37%

Balance of Unsecured Personal Loans as a Percent of Household Income

B

85.58%

Savings and Spending

Spend less than Income

B+

88.12%

Does not have an emergency fund

D+

67.55%

Unbanked

B+

87.5%

Underbanked

B-

82.72%

Saving for Children's College

D

66.61%

Overdraws checking account occasionally

C+

78.49%

Could come up with $2,000 in an emergency

C

75.11%

Has a household budget

A+

100%

Has Taken a Hardship Withdrawal from Retirement Account

A-

90.72%

Retirement Readiness and Other Investing

Access to a Retirement Plan

C+

77.5%

Take Up Rate of Retirement Plans

C+

77.93%

Tried to Figure Out how much needed for retirement

D+

69.71%

Amount of Income residents will be able to replace in retirement

C

76.84%

Percent of residents who count on social security for 90+ of their retirement income

C+

79%

Invests Outside of Retirement Accounts

D-

62.33%

Protect and Insure

Percent without Health Insurance

C-

70.66%

Average Face Amount of Life Insurance

A-

91.25%

Uninsured Motorists

A

94.27%